FIRST TIMER APPLICANTS

HDB Resale Flat

First-Timer Applicants

Eligible first-timer applicants can apply for the Family Grant or Additional CPF Housing Grant (AHG). Those who are buying a HDB resale flat to live near or together with their parents can also apply for the Proximity Housing Grant.

Eligibility

CPF Housing Grant First Timer Eligibility

Citizenship

Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident

Age

At least 21 years old

Family Nucleus

Spouse and children (if any)
Spouse-to-be (marriage certificate must be produced before the date of completion of the flat purchase)
Children under your legal custody, care and control (if widowed/divorced#)
#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

If you face difficulties in obtaining the agreement or have a question for us, please send us an email at [email protected]

Household Status

You and the family member(s) buying the resale flat must be first-timer applicants, meaning that all of you must meet the following criteria:
Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any CPF Housing Grant for the purchase of an HDB resale flat
Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation

Income Ceiling

Your average gross monthly household income must not exceed:
$12,000
$18,000 if applying with extended family

Flat Type

2-room or bigger

Remaining Lease of Flat

At least 30 years
You can get a flat’s lease details with our HDB Map Services.

Ownership/ Interest in Property

You and the other flat applicants must not:
Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

Extended Family Income Ceiling

The income ceiling is set at a higher level of $18,000 to encourage working adults and their parents to live as an extended family in a flat.

How to calculate the $18,000 income ceiling

Example 1

A married couple, their siblings, and their parents. The income ceiling is calculated using the combined income of 2 set groups in the extended family.

Household Type

Income of Group A (Cannot exceed $12,000)

Income of Group B (Cannot exceed $12,000)

Extended Family Income Ceiling

Parent(s)* with single children

Parent(s) and 1 of the single children

Remaining single child(ren)

Group A + Group B must not exceed $18,000

Parent(s)* with married children^

Parent(s) and remaining working children (if any)

The married children and their children (if any)

Example 2

A married couple and their 3 working children wish to buy a flat. Individually, their average gross monthly income is:

Husband: $4,000

Wife: $4,000

Child A: $4,000

Child B: $2,000

Child C: $4,000

Their average gross monthly income as an extended family thus works out as:

Household Type

Income of Group A
Parent(s) and 1 of the single child(ren)
Cannot exceed $12,000

Income of Group B
Remaining single child(ren)
Cannot exceed $12,000

Extended Family Income Ceiling
Group A + Group B must not exceed $18,000

Parent(s)* with single children

Husband: $4,000
Wife: $4,000
Child B: $2,000

Total = $10,000

Child A: $4,000
Child C: $4,000

Total = $8,000

Group A: $10,000 Group B: $8,000

Total = $18,000

The extended family is within the income ceiling

* Includes widow/ widower or divorcee^ Includes applicants applying under the Fiancé/Fiancée Scheme

Income Document Guidelines

For the above grant application, you and any other applicants and essential occupiers will need to prepare:

Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.

Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Self-employed person

Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Odd job worker

Statutory Declaration to declare the employment status
or

Valid Student Pass if currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
Latest 15 months’ CPF contribution history

The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance not considered for the income ceiling

Additional CPF Housing Grant (AHG)

Amount

$5,000 to $40,000

Assistance For

Lower to middle-income applicants of the Family Grant
At least 1 of the applicants must have worked continuously for the 12 months prior to the flat application and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income families a higher grant amount.

Average Monthly Household Income
(12 months)

AHG Amount

$1,500 or less

$40,000

$1,501 to $2,000

$35,000

$2,001 to $2,500

$30,000

$2,501 to $3,000

$25,000

$3,001 to $3,500

$20,000

$3,501 to $4,000

$15,000

$4,001 to $4,500

$10,000

$4,501 to $5,000

$5,000

Eligibility

You must first qualify for a Family Grant before applying for the AHG. In addition, you must satisfy these conditions:

Employment Status

The applicant (you or your spouse/ spouse-to-be) must:
Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application

Income Ceiling

Your average gross monthly income for the 12 months before your flat application must not exceed $5,000.

Income Document Guidelines

As eligibility for the AHG is based on 12 months of employment, these are the income guidelines when applying for this grant. Aside from these mentioned documents, we may also request further documentation, if needed.

Nature of Employment

Documents to Submit

Employed person

12 months’ payslips prior to flat application date
Or

Letter from employer certifying salaries for the 12 months prior to flat application date. The letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
And

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date

Note:
If you are on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG

Self-employed person

Latest Notice of Assessment (NOA) from IRAS
Or
Statement of Annual Accounts certified by an Audit Firm
And
Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)
Or

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date

Odd job worker

Latest NOA from IRAS
And
Previous year’s NOA from IRAS

Full-time student receiving stipends

Letter from the education institute stating your period and nature of study (full or part-time)
Copy of signed contract between you and the education institute stating the conditions of the stipend
Note:
You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving you the stipend
You are not considered as employed if you are a full-time student taking up part-time work

Income/ allowance not considered for the AHG income ceiling

FIRST TIMER AND SECOND TIMER COUPLE APPLICANTS

HDB Resale Flat

First-Timer and Second-Timer Couple Applicants

You can apply for a Half-Housing Grant/ Top-Up Grant, as well as the Additional CPF Housing Grant (AHG) if you are a first-timer Singapore Citizen applicant married/ engaged to a spouse/ spouse-to-be that has previously received a housing subsidy, i.e. a second-timer applicant.

If the second-timer applicant has previously taken a CPF Housing Grant for singles or bought a 2-room BTO flat in the non-mature estates as a single, the couple may request for the CPF Top-Up Grant for their existing flat or next HDB resale flat.

Grant amount
The Half-Housing Grant amount is half of the Family Grant that you and your spouse/ spouse-to-be would qualify for if both of you were first-timer applicants.

Applicable Grant

Half-Housing Grant Amount

$50,000 Family Grant for SC/ SC Household

Household

$25,000

Eligibility

Except for the household status requirements, you must meet all of the other eligibility conditions for a Family Grant for Singapore Citizens.

Citizenship

Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident

Age

At least 21 years old

Family Nucleus

Spouse and children (if any)
Spouse-to-be (marriage certificate must be produced before the date of completion of the flat purchase)

Household Status

You will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means that you must not:
Be the owner of a flat bought from HDB
Have sold a flat bought from HDB
Have taken the CPF Housing Grant to buy an Executive Condominium (EC), Design, Build and Sell Scheme (DBSS) flat or an HDB resale flat, or taken over ownership of such a flat or EC
Have transferred the ownership of a flat bought directly from HDB, or an HDB resale flat bought under the CPF Housing Grant Scheme
Have ever taken other forms of housing subsidy, such as Selective En bloc Redevelopment Scheme benefits or privatisation of HUDC estate

Income Ceiling

Your average gross monthly household income must not exceed:
$12,000
$18,000 if applying with extended family

Flat Type

2-room or bigger

Remaining Lease of Flat

At least 30 years
You can get a flat’s lease details with our HDB Map Services

﻿﻿Ownership/ Interest in Property

You and the other flat applicants must not:
Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

Top-Up Grant

Amount

The Family Grant amount you are now eligible for, minus your previously received grant amount

Assistance For

Recipients of a Singles Grant who get married
Recipients of a Singles Grant who bought an HDB resale flat under the Non-Citizen Spouse Scheme whose spouse or child obtains Singapore Citizenship or permanent residence status

Recipient May Also Be Eligible For

AHG (Singles)

Recipient May Later Be Eligible For

Citizen Top-Up

Grant amount

The Top-Up Grant amount is the difference between the Family Grant that you now qualify for, minus the Singles Grant amount that you had previously received.

The grant amount will be credited to your and/ or your spouse’s CPF Ordinary Accounts

Eligibility

Citizenship

You are a Singapore Citizen (SC) and your spouse or child is an SC or Singapore Permanent Resident (SPR)

Family Nucleus

You and your spouse and/ or children

Household Status
(Newly-married single)

You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Single Singapore Citizen Scheme or Joint Singles Scheme
You are now married to an SC or SPR that meets the following criteria:
Other than the Singles Grant, has not received any CPF Housing Grant
Not the owner of a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any other form of housing subsidy, e.g. benefitted under SERS, HUDC estate privatisation

Household Status
(Household with new SC/ SPR)

You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Non-Citizen Spouse Scheme
Your spouse or child is now an SC or SPR

Timeframe

Your application must be submitted within 6 months of your marriage registration or spouse/ child becoming an SC/ SPR

Your application must be submitted within 6 months of your marriage registration or spouse/ child becoming an SC/ SPR

Your average gross monthly household income must not exceed $12,000

Ownership/ Interest in Property

You and the other flat applicants must not:
Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application and up to the date of taking possession of the flat:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

Example

These are some examples on how the Top-Up Grant amount is determined and distributed. They are based on the following grant amounts:

Family Grant for SC/ SC household – $50,000

Family Grant for SC/ SPR household – $40,000

Singles Grant – $15,000

Example 1

Spouse A and Spouse B are Singapore Citizens buying a 4-room resale flat. Spouse A has previously received a Singles Grant of $15,000. Spouse B has not. The couple’s Top-Up Grant will be as follows:

Married Couple

Previously Received Singles Grant

Eligible Family Grant

Top-Up Grant

Spouse A (SC owner)

$15,000

$50,000

(Family Grant for SC/ SC household)

$10,000

Spouse B (SC owner)

Nil

$25,000

Example 2

Spouse A has previously received a Singles Grant of $15,000. Spouse B is an SPR. They are buying a 4-room resale flat. The couple’s Top-Up Grant will be as follows:

Married Couple

Previously Received Singles Grant

Eligible Family Grant

Top-Up Grant

Spouse A (SC owner)

$15,000

$40,000

(Family Grant for SC/ SPR household)

$25,000

Spouse B (SPR owner/ occupier)

Nil

Nil

The couple may subsequently apply for a Citizen Top-Up.

Income Document Guidelines

For the Half Housing Grant or Top-Up Grant application, you and any other applicants and essential occupiers will need to prepare:

Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.

Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Self-employed person

Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Odd job worker

Latest NOA from IRAS
and

Previous year’s NOA from IRAS

Assessment is based on the average gross monthly income for the past 12 months

Unemployed person (between 18 to 62 years old)

Statutory Declaration to declare the employment status
or

Valid Student Pass if currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
Latest 15 months’ CPF contribution history

The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance not considered for the income ceiling

Additional CPF Housing Grant (Singles)

Amount

$2,500 - $20,000

Assistance For

Lower to middle-income applicants of the Half Housing Grant or Top-Up Grant
Applicant must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.

Half of the average household income

(12 months)

AHG amount

$750 or less

$20,000

$751 to $1,000

$17,500

$1,001 to $1,250

$15,000

$1,251 to $1,500

$12,500

$1,501 to $1,750

$10,000

$1,751 to $2,000

$7,500

$2,001 to $2,250

$5,000

$2,251 to $2,500

$2,500

Eligibility

You must first meet all of the eligibility conditions for any of these CPF Housing Grants:

Half-Housing Grant

Top-Up Grant

Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:

Employment Status

You or your spouse/ spouse-to-be must:

Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application

Half of the average household monthly income for the 12 months before the flat application must not exceed $2,500.

Income Document Guidelines

Eligibility for the AHG (Singles) is based on these income guidelines. Aside from the mentioned documents, we may also request further documentation if needed.

Nature of Employment

Documents to Submit

Employed person

12 months’ payslips prior to flat application date
Or

Letter from employer certifying salaries for the 12 months prior to flat application date. The letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
And

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date
Note:

If you are on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date

Odd job worker

Latest NOA from IRAS
And

Previous year’s NOA from IRAS

Full-time student receiving stipends

Letter from the education institute stating your period and nature of study (full or part-time)
Copy of signed contract between you and the education institute stating the conditions of the stipend
Note:

You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving you the stipend
You are not considered as employed if you are a full-time student taking up part-time work

Income/ allowance that will be considered for the AHG (Singles) income ceiling

Income/ allowance not considered for the AHG (Singles) income ceiling

LIVING WITH/NEAR PARENTS OR MARRIED CHILD

HDB Resale Flat

Living With/ Near Parents or Married Child

The Proximity Housing Grant (PHG) has been introduced to help more families to buy a resale flat to live with or close to each other for mutual care and support. Eligible singles will also enjoy the PHG if they buy a resale flat with or near their parents’ residence.

Assistance for

Family - Married/ engaged couples or families who are buying an HDB resale flat to live with or near their parents/ married child
Singles - Singles buying an HDB resale flat to live with or near their parents

Eligibility

You are a Singapore Citizen. At least one of your parents or married child must be a Singapore Permanent Resident or a Singapore Citizen.
Family

Your family nucleus must comprise at least another Singapore Permanent Resident or a Singapore Citizen.

Age

Family

You must be aged 21 years or above.

Singles

You must be aged:

35 years or above, if you are single and applying for resale flat under any of the following schemes:
Single Singapore Citizen Scheme
Joint Singles Scheme
Public Scheme (if parents are included in the resale application as co-applicants or occupants)
or

21 years or above, if you are married and applying for resale flat under the Non-Citizen Spouse Scheme

Family Nucleus

Family

You are applying with your:

spouse and children (if any), or
fiancé/ fiancée (must be able to produce your marriage certificate, latest by the date of completion of the flat purchase), or
children under your legal custody, care and control (if widowed/divorced#)
#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

If you face difficulties in obtaining the agreement or have a question for us, please send us an email at [email protected]

living with you in the resale flat you intend to buy
living in an HDB flat within 4 km of the resale flat you intend to buy
owner-occupiers of private property within 4 km of the resale flat you intend to buy
Singles

Your parents must be:

living with you in the resale flat you intend to buy
living in an HDB flat within 4 km of the resale flat you intend to buy
owner-occupiers of private property within 4 km of the resale flat you intend to buy

Flat Type

2-room or bigger

﻿﻿Remaining Lease of Flat

At least 30 years. You can get a flat’s lease details with our HDB Map Services.

Distance enquiry check

Use our Distance Enquiry for Proximity Housing Grant e-Service to check whether the HDB resale flat you intend to buy is within 4 km of your parents’/ married child’s HDB flat or owner-occupied private residential property.

NON-CITIZEN SPOUSE SCHEME (NCS)

Non-Citizen Spouse Scheme (NCS)

If you are a citizen with a spouse who is neither a Singapore Citizen nor a Singapore Permanent Resident (SPR), you may be eligible for the:

Singles Grant; or

Additional CPF Housing Grant (Singles)

Singles Grant

Assistance For

Married applicants aged 21 or above who buy an HDB resale flat under the Non-Citizen Spouse Scheme

Recipient May Also Be Eligible For

Additional CPF Housing Grant for Singles

Recipient May Later Be Eligible For

Top-Up Grant
Citizen Top-Up

Grant Amount

Buying 2- to 4-room Resale Flat

Buying 5-room or Bigger Resale Flat

$25,000

$20,000

Eligibility

Citizenship

Singapore Citizen

Age

At least 21 years old

Income Ceiling

Your average gross monthly household income must not exceed $12,000

Household Status

You and the family member(s) buying the resale flat must be first-timer applicants, meaning that all of you must meet the following criteria:
Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any CPF Housing Grant for the purchase of an HDB resale flat
Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation

Flat Type

At least 30 years
You can get a flat’s lease details with our HDB Map Services

Ownership/ Interest in Property

You and the other flat applicants must not:
Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

Example

Kent is a 28-year-old Singapore Citizen with a monthly salary of $5,000. He is married to Sally, an Australian citizen holding a social visit pass valid for 1 year. She is a housewife and not drawing an income. They are buying an HDB 4-room resale flat under the Non-Citizen Spouse Scheme.

Grant Amount = $25,000

Income Document Guideline

For the Singles Grant application, you and any other applicants and essential occupiers will need to prepare:

Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.

Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Self-employed person

Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months) ; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Odd job worker

Latest NOA from IRAS
and

Previous year’s NOA from IRAS

Assessment is based on the average gross monthly income for the past 12 months

Unemployed person (between 18 to 62 years old)

Statutory Declaration to declare the employment status
or

Valid Student Pass if currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
Latest 15 months’ CPF contribution history

The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance not considered for the income ceiling

Additional CPF Housing Grant (Singles)

Amount

$2,500 - $20,000

Assistance For

Lower to middle-income applicants of the Singles Grant
Applicant must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.

Half of the average household income

(12 months)

AHG amount

$750 or less

$20,000

$751 to $1,000

$17,500

$1,001 to $1,250

$15,000

$1,251 to $1,500

$12,500

$1,501 to $1,750

$10,000

$1,751 to $2,000

$7,500

$2,001 to $2,250

$5,000

$2,251 to $2,500

$2,500

Eligibility

You must first meet all of the eligibility conditions for the Singles Grant

Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:

Employment Status

You and/ or your spouse must:

Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application

Age

At least 35 years old

Income Ceiling

Half of the average household monthly income for the 12 months before the flat application must not exceed $2,500

Income Document Guidelines

Eligibility for the AHG (Singles) is based on these income guidelines. Aside from the mentioned documents, we may also request further documentation if needed.

Nature of Employment

Documents to Submit

Employed person

12 months’ payslips prior to flat application date
Or

Letter from employer certifying salaries for the 12 months prior to flat application date. The letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
And

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date
Note:

If you are on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date

Odd job worker

Latest NOA from IRAS
And

Previous year’s NOA from IRAS

Full-time student receiving stipends

Letter from the education institute stating the period and nature of study (full or part-time)
Copy of signed contract between the applicant and the education institute stating the conditions of the stipend
Notes:

You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
You will not be considered as employed if you are a full-time student taking up part-time work

Income/ allowance that will be considered for the AHG (Singles) income ceiling

JOINT SINGLES SCHEME OR ORPHANS SCHEME

Joint Singles Scheme or Orphans Scheme

​Singles Grant

Single applicants aged 35 or above who buy an HDB resale flat under any of these schemes:

Joint Singles Scheme
Orphans Scheme

Recipient May Also Be Eligible For

Additional CPF Housing Grant for Singles

Recipient May Later Be Eligible For

Top-Up Grant

Grant Amount

Flat buyer(s)

Buying 2- to 4-room Resale Flat

Buying 5-room or Bigger Resale Flat

1 single*

$25,000

$20,000

Buying with other single(s) under the Joint Singles Scheme or Orphans Scheme (Maximum of 2 Singles Grants)

$25,000 x 2

$20,000 x 2

Note: * First-timer singles buying a 2- to 5-room resale flat are eligible for the grant.

Eligibility

Citizenship

Singapore Citizen

Age

At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:

Joint Singles Scheme
Orphans Scheme

Household Status

For resale applications received on or after 1 Oct 2017, at least one of the persons buying the resale flat must be a first-timer applicant to receive the housing grant.

You will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means you must meet the following criteria:

Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any CPF Housing Grant for the purchase of an HDB resale flat
Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation

Income Ceiling

Your average gross monthly household income must not exceed $12,000

Flat Type

2-room or bigger

Remaining Lease of Flat

At least 30 years
You can get a flat’s lease details with our HDB Map Services

Ownership/ Interest in Property

You and the other flat applicants must not:

Own any of the following properties whether locally or overs, or have disposed of any such properties in the 30 months before your resale flat application:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying a 1-room flat or flat that has been announced for SERS

Time bar

Cancellation of Application After Booking a Flat

If you book a flat from the March 2012 sales exercise onwards and subsequently cancel the flat booking, you will have to meet a one-year period from the date of cancellation before you can apply or be included as an essential occupier for a resale flat with CPF Housing Grant.

Divorcees

Within three years from the date of the divorce, only one party in the divorce can own one of the following housing units:

a flat bought directly from the HDB
a DBSS flat / EC bought directly from a private developer
a resale flat bought from open market under the CPF Housing Grant Scheme
If you have an existing matrimonial home, which is one of the above, and that home is retained by your ex-spouse, you may apply to buy or be listed as an essential occupier in any of the above housing unit only three years after your date of divorce.

However, this three-year wait out period will not apply if you are buying any of the above homes with your parents or a new spouse, or if you are buying a resale flat from the open market without the CPF Housing Grant.

If there is no matrimonial home or the matrimonial home was bought from the open market without any CPF Housing Grant, you may apply for any of the above housing units after you get your ex-spouse's consent not to own or be listed as an essential occupier in any of the above housing units within the three-year period from the date of divorce.

The requirement for ex-spouse's consent is waived if you are buying any of the above housing units with your parents or a new spouse or if you are buying a resale flat from the open market without the CPF Housing Grant.

The requirement to seek ex-spouse's consent during the three-year period from the date of divorce is also waived if you meet the following conditions:

All your children are below 18 years old at the date of divorce; and
You have the legal custody of all your children and are also the only parent with the care and control of all your children.

Examples

Example 1

Ali is a single Singapore Citizen aged 40. His monthly salary is $2,800. He is buying a 3-room HDB resale flat under the Single Singapore Citizen Scheme.

Grant Amount = $25,000

Example 2

Wing Yong is 37 years old with a monthly salary of $2,400. Heng Chong is 35 years old with a monthly salary of $3,000. Soon Meng is 36 years old with a monthly salary of $2,500. They are all Singapore Citizens and want to jointly buy an HDB 4-room resale flat under the Joint Singles Scheme.

Grant Amount = $50,000 (maximum amount of $25,000 x 2)

Example 3

Kent is a 28-year-old Singapore Citizen with a monthly salary of $5,000. He is married to Sally, an Australian citizen holding a social visit pass valid for 1 year. She is a housewife and not drawing an income. They are buying an HDB 4-room resale flat under the Non-Citizen Spouse Scheme.

Grant Amount = $25,000

Income Document Guidelines

For the above grant application, you and any other applicants and essential occupiers will need to prepare:

Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.

Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Self-employed person

Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Odd job worker

Latest NOA from IRAS
and

Previous year’s NOA from IRAS

Assessment is based on the average gross monthly income for the past 12 months

Unemployed person (between 18 to 62 years old)

Statutory Declaration to declare the employment status
or

Valid Student Pass if currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
Latest 15 months’ CPF contribution history

The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance not considered for the income ceiling

Additional CPF Housing Grant

Amount

Up to $40,000

Assistance For

Lower to middle-income applicants of the Singles Grant
At least 1 of the applicants must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount. The table below shows the total grant amount for 2 or more eligible singles, who are buying a resale flat under the Joint Singles Scheme or Orphans Scheme.

Average monthly household income

(12 months)

AHG amount

$1,500 or less

$40,000

$1,501 to $1,750

$35,000

$1,751 to $2,000

$35,000

$2,001 to $2,250

$30,000

$2,251 to $2,500

$30,000

$2,501 to $3,000

$25,000

$3,001 to $3,500

$20,000

$3,501 to $4,000

$15,000

$4,001 to $4,500

$10,000

$4,501 to $5,000

$5,000

Eligibility

You must first meet all of the eligibility conditions for the Singles Grant

Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:

Employment Status

You and/ or your co-applicant(s)

Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application

Income Ceiling

The average household monthly income for the 12 months before the flat application must not exceed $5,000

Income Document Guidelines

Nature of Employment

Documents to Submit

Employed person

12 months’ payslips prior to flat application date
Or

Letter from employer certifying salaries for the 12 months prior to flat application date; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
And

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date
Note:

If you are on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date

Odd job worker

Latest NOA from IRAS
And

Previous year’s NOA from IRAS

Full-time student receiving stipends

Letter from the education institute stating the period and nature of study (full or part-time)
Copy of signed contract between the applicant and the education institute stating the conditions of the stipend
Note:

You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
You will not be considered as employed if you are a full-time student taking up part-time work

Income/ allowance that will be considered for the AHG (Singles) income ceiling

SINGLE SINGAPORE CITIZEN APPLICANTS

Single Singapore Citizen Applicants

As a first-timer single Singapore Citizen (SC) who is 35 years old or above, you might be eligible for the following CPF Housing Grant(s):

Singles Grant

Additional CPF Housing Grant (AHG) (Singles)

Singles Grant

Assistance For

Single applicants aged 35 or above who buy an HDB resale flat under any of these schemes:

Single Singapore Citizen Scheme
Non-Citizen Family Scheme

Recipient May Also Be Eligible For

Additional CPF Housing Grant for Singles

Recipient May Later Be Eligible For

Top-Up Grant

Grant Amount

$25,000 (2- to 4-room resale flat)

$20,000 (5 room resale flat)

Eligibililty

Citizenship

Singapore Citizen

Age

At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:

Single Singapore Citizen Scheme
Non-Citizen Family Scheme

Household Status

You must be a first-timer applicant, meaning that you must meet the following criteria:

Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any CPF Housing Grant for the purchase of an HDB resale flat
Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation

Income Ceiling

Your average gross monthly household income must not exceed:
$6,000 if buying a resale flat under the Single Singapore Citizen Scheme
$12,000 if buying a resale flat under other schemes

Flat Type

2 to 5-room under the Single Singapore Citizen Scheme
2-room or bigger under other schemes

Remaining Lease of Flat

At least 30 years
You can get a flat’s lease details with our HDB Map Services

Ownership/ Interest in Property

You and the other flat applicants must not:
Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

Time bar

Cancellation of Application After Booking a Flat

If you book a flat from the March 2012 sales exercise onwards and subsequently cancel the flat booking, you will have to meet a one-year period from the date of cancellation before you can apply or be included as an essential occupier for a resale flat with CPF Housing Grant.

Divorcees

Within three years from the date of the divorce, only one party in the divorce can own one of the following housing units:

a flat bought directly from the HDB
a DBSS flat / EC bought directly from a private developer
a resale flat bought from open market under the CPF Housing Grant Scheme
If you have an existing matrimonial home, which is one of the above, and that home is retained by your ex-spouse, you may apply to buy or be listed as an essential occupier in any of the above housing unit only three years after your date of divorce.

However, this three-year wait out period will not apply if you are buying any of the above homes with your parents or a new spouse, or if you are buying a resale flat from the open market without the CPF Housing Grant.

If there is no matrimonial home or the matrimonial home was bought from the open market without any CPF Housing Grant, you may apply for any of the above housing units after you get your ex-spouse's consent not to own or be listed as an essential occupier in any of the above housing units within the three-year period from the date of divorce.

The requirement for ex-spouse's consent is waived if you are buying any of the above housing units with your parents or a new spouse or if you are buying a resale flat from the open market without the CPF Housing Grant.

The requirement to seek ex-spouse's consent during the three-year period from the date of divorce is also waived if you meet the following conditions:

All your children are below 18 years old at the date of divorce; and
You have the legal custody of all your children and are also the only parent with the care and control of all your children.

Example

Ali is a single Singapore Citizen aged 40. His monthly salary is $2,800. He is buying a 3-room HDB resale flat under the Single Singapore Citizen Scheme.

Grant Amount = $25,000

Income Document Guidelines

For the above grant application, you and any other applicants and essential occupiers will need to prepare:

Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require the latest 12 months’ payslips (month of application and preceding 11 months).

Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Self-employed person

Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Odd job worker

Latest NOA from IRAS
and

Previous year’s NOA from IRAS

Assessment is based on the average gross monthly income for the past 12 months

Unemployed person (between 18 to 62 years old)

Statutory Declaration to declare the employment status
or

Valid Student Pass if currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
Latest 15 months’ CPF contribution history

The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance not considered for the income ceiling

Additional CPF Housing Grant (Singles)

Amount

$2,500 to $20,000

Assistance For

Lower to middle-income applicants of the Singles Grant
Applicant must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.

Singles can buy resale flat under the following schemes:

Single Singapore Citizen Scheme

Non-Citizen Family Scheme

Average monthly household income of Singapore Citizen

(12 months)

AHG amount

$750 or less

$20,000

$751 to $1,000

$17,500

$1,001 to $1,250

$15,000

$1,251 to $1,500

$12,500

$1,501 to $1,750

$10,000

$1,751 to $2,000

$7,500

$2,001 to $2,250

$5,000

$2,251 to $2,500

$2,500

Eligibility

You must first meet all of the eligibility conditions for the Singles Grant.

Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:

Employment Status

You must:

Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application

Income Ceiling

The average monthly income of the Singapore Citizen for the 12 months before the flat application must not exceed $2,500.

Income Document Guidelines

Eligibility for the AHG (Singles) is based on these income guidelines. Aside from the mentioned documents, we may also request further documentation if needed.

Nature of Employment

Documents to Submit

Employed person

12 months’ payslips prior to flat application date
Or

Letter from employer certifying salaries for the 12 months prior to flat application date; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
And

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date
Note:

If you are on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date

Odd job worker

Latest NOA from IRAS
And

Previous year’s NOA from IRAS

Full-time student receiving stipends

Letter from the education institute stating the period and nature of study (full or part-time)
Copy of signed contract between the applicant and the education institute stating the conditions of the stipend
Notes:

You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
You will not be considered as employed if you are a full-time student taking up part-time work

Income/ allowance that will be considered for the AHG (Singles) income ceiling